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ManipalCigna Corona Kavach Health Insurance

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ManipalCigna Health Insurance
Corona Kavach Policy
Claim Settlement Ratio88.00%
Network Hospitals8,700+
Pre-existing Disease Coverage From2 years
Pre-existing Disease Waiting Period2 years
Special BenefitsUnlimited Restoration
Starting Premium (for 5L SI)Rs. 566/month

About ManipalCigna Corona Kavach Health Insurance

The ManipalCigna Corona Kavach Plan is an indemnity health insurance cover that compensates the medical expenses incurred on the treatment of Coronavirus disease (COVID-19). The policy can be purchased by people between the age of 18 years up to 65 years on an individual as well as family floater basis. The sum insured options of this plan range from Rs. 50,000 to Rs. 5 lakh under which different family members get secured like a spouse, dependent children, parents and parents-in-law along with the policyholder.

The policy terms of this ManipalCigna Corona Kavach Policy are of 3.5 months i.e., 105 days, 6 months i.e., 195 days, and 9.5 months i.e., 285 days, including the waiting period. The plan holds several benefits such as Covid-19 hospitalization cover, home care treatment expenses, pre-hospitalisation and post-hospitalisation expenses, AYUSH treatment and so on. The insured members can avail of these offerings after completing the waiting period of 15 days from the date of policy commencement.

Also read: COVID-19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses for Covid-19 treatment
  • Pre-hospitalisation and post-hospitalisation expenses
  • Home care treatment offered for maximum up to 14 days
  • Road ambulance expense up to a maximum of Rs. 2,000 per hospitalisation
  • AYUSH treatment expenses incurred for in-patient treatment of Covid-19

What's Not Included

  • Expenses related to any unproven treatment, services and supplies
  • Dietary supplements and substances purchased without a prescription
  • Hospitalisation just for the bed rest and not for treatment
  • Diagnostic expenses not related to Covid-19 treatment
  • Medical expenses incurred on day care and OPD treatment

8674 ManipalCigna Cashless Network Hospitals in India

Corona Kavach Policy User Reviews

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What users are saying
  • All
  • Abundance of health plans

    InsuranceDekho has an abundance of health plans. Family floater, individual, group health plans, specific health plans for kids, seniors and cancer patients even the new addition COVID 19, all kinds of plans are available. I found a COVID 19 covered health plan offered by Manipal Cigna, known as Corona Kavach Policy.

    By Amrita Haldar
    On: Feb 04, 2021
  • Details on COVID 19 insurance

    I wanted details on COVID 19 insurance, how it works, what kinds of benefits it offers and so on. I visited InsuranceDekho for this purpose. After getting the basics, I started my search to find the best deal. I chose Manipal Cigna’s Corona Kavach Policy.

    By Bakul Sinha
    On: Jan 21, 2021
  • Policies that cover Corona

    When the pandemic season started, I wanted to secure my family from any unforeseen situation by getting a health plan that could cover Corona. I landed on InsuraceDekho and found details about COVID 19 Insurance plans. After going through some plans, I chose Manipal Cigna’s Corona Kavach Plan.

    By Debparna Chatterjee
    On: Dec 23, 2020
  • Numerous Covid 19 insurance po...

    InsuranceDekho has a list of various health insurance policies that provide specific coverages. I was looking for one suitable Covid 19 insurance policy plan for my family. I bought the Corona Kavach policy from Manipal Cigna. Highly recommend the website to others.

    By Prakash Jha
    On: Nov 23, 2020
  • Superb experience

    I have purchased Manipal Cigna Corona Kavach Policy on a family floater basis to protect my whole family against infectious disease. Insurancedekho made the whole buying process relatively easier for me with their user-friendly assistance.

    By Ashok Kumar
    On: Oct 20, 2020

ManipalCigna Corona Kavach Policy Brochure

  • 124.34 KB
  • PDF Document
  • Jul 15, 2020

Claim Process at ManipalCigna Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Kavach Policy Health Insurance Plan

  • What are the sum insured options available under this policy?

    The sum insured amount under this plan ranges from Rs. 50,000 to Rs. 5 lakh, in the multiples of Rs. 50,000. The sum insured options are available on an individual as well as on a family floater basis (which applies to all the members of the family).

  • Who all can get the coverage under this health insurance plan?

    This insurance plan can be purchased by persons between the age of 18 years to 65 years. However, proposers with higher age can also buy this plan for their families, without getting the coverage for themselves. The plan can be availed by different family members such as a spouse, dependent children between 1 day to 25 years, parents and parents-in-law.

  • Does this insurance policy offer coverage for AYUSH treatment?

    Yes, this plan covers the medical expenses incurred on the in-patient care and treatment for Covid-19 disease under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy procedures and medicines up to the sum insured amount. 

  • Does this plan provide any optional benefit for policyholders?

    Yes, the hospital daily cash benefit is offered under this policy as an optional cover. As per this benefit, the insurer will give 0.5% of the sum insured per day to the insured person for every 24 hours of continuous hospitalization for not more than 15 days during a policy period for every insured member.

  • What is the waiting period for this ManipalCigna Corona Kavach Plan?

    The waiting period applicable under this insurance policy is of 15 days and no coverage will be given for any expense related to the treatment of Covid-19 before passing this period. 


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